Page 1 of 12
European Journal of Business &
Social Sciences
Available at https://ejbss.org/
ISSN: 2235-767X
Volume 07 Issue 01
January 2019
Available online: https://ejbss.org/ P a g e | 239
A Study Of Women Self Help Groups in District Bhiwani
Trishna Rani
M.Phil. Scholar, Department of Economics, MDU (Rohtak)
Email:-trishnarani05.04@gmail.com
Mob no 8813988004
INTRODUCTION
Women are an essential part of the Indian economy, constitute 50 per cent of the total population
and contribute significantly to family survival. Women in India continue to be relatively
disadvantaged in terms of survival, health, nutrition, literacy and social status. Women do not
have access to credit, training, housing and services, lack of education and decision-making
positions are obstacles that prevent them from improving their living conditions and participating
in development programs. Women have comparatively less control over resources than men.
Women's development activities should be prioritized to eradicate poverty, increase economic
growth and improve living standards. The status of women can be improved by addressing the
problems that affect them in the family environment and in the home.
Self Help Groups have a special role in uplift and welfare of women. The SHGs promotes small
saving among its members. These savings promotes income generating activities in rural
household women. It is helpful to alleviate rural poverty and increase employment opportunities.
Thus they can be economically empowered by these opportunities. The self-help groups
reinforce the equality of status of women as participants, decision-makers and beneficiaries in
the areas of democratic, economic, social and cultural life
Concept of Self Help Groups (SHGs)
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European Journal of Business &
Social Sciences
Available at https://ejbss.org/
ISSN: 2235-767X
Volume 07 Issue 01
January 2019
Available online: https://ejbss.org/ P a g e | 240
SHGs are groups in which women voluntarily join hands to makes themselves economically and
socially sound. With the help of each other women try to start some business and any other work
and earn money. Associations and groups not only try to make a combined attempt to run a
business but also try to create awareness among them.
Structure of Self Help Groups (SHGs)
The self-help group (SHG) is a committee of financial intermediaries based in the village,
usually composed of 10 to 20 women. Women save money they can afford. It's a small amount
ranging from Rs. 10 to 200 a month. These savings are kept with a bank in the name of group.
The authorized representative of the group operates the bank account. The deposit that is kept at
the bank is used to lend to the members of the group. The monthly meeting is organized,
informal and informal discussions take place. The minutes of the meeting are documented and
the account is written. The President and the Secretary of the Treasury occupy three official
positions in a self-help group.
Development of Self-Help Groups (SHGs)
The origin of self-help groups (SHG) in the brainchild of Gramin Bank of Bangladesh, founded
by Professor Mohammad Yusuf in 1975; who tried a new approach to rural credit in Bangladesh.
Gramin Bank obtains loans without requiring borrowers to provide collateral or paperwork.
India has adopted the Bangladesh model in a modified form. Reduce poverty and empower
women. In India, NABARD established self-help groups in 1986-1987, but real efforts were
made after 1991-92 to establish the link between self-help groups and banks. In 1991-92,
NABARD began promoting large-scale self-help groups. And that was the real starting point of
the "SHG movement". In 1993, the Reserve Bank of India also used SHG to open savings
accounts in banks. The self-help group's interest in India has emerged as an effective and viable
Page 3 of 12
European Journal of Business &
Social Sciences
Available at https://ejbss.org/
ISSN: 2235-767X
Volume 07 Issue 01
January 2019
Available online: https://ejbss.org/ P a g e | 241
means of seizing the world of economic empowerment and social improvement.
Need and Importance of Self-Help Groups
To save some money regularly and create a habit of saving among the members.
To uplift the standard of living of the rural poor.
To transfer the resources of the individual members towards their collective
economic development.
To aware the rural women about their rights.
To identify problems and finding solutions in the group.
To develop teamwork and leadership qualities.
To alleviate poverty.
REVIEW OF LITERATURE
Manimekalai and Rajeswari (2002) conducted a study on "Grass roots entrepreneurship
through SHGs with the objective to find out the factors which have motivated women to become
self- help groups members are eventually entrepreneurs and analyze the enterprise performance
of SHGs in terms of growth of investment turnover, capacity utilization, profit etc. It is
understand from the analyses that the SHGs entrepreneurs have improve a lot with respect to
their enterprise performance. It is observed that the women have been depending only on
agriculture and now have become independent. Apart from the improvement on the personal
growth, the community as a whole has gained through the organization of the SHGs.
